Banking

Episode 450: The Tardus Income Snowball and Bank On Yourself® – Are They Your Financial Game Genie? with Ben Berry

April 17, 2026 by Not Your Average Financial Podcast

In this episode, we ask:

Who is Ben Berry?
Would you like to check out Episode 397?
What is Tardus Wealth Strategies?
Would you like to hear Episode 376?
How does the Bank on Yourself tool integrate with the Income Snowball?
Do you remember Nintendo, back in the day?
Do you remember the Game Genie?
Why is control so important in wealth creation?
What are the headwinds working against your money?
Would you like to view video and/or Subscribe on the YouTube page?
How might we think and learn about money differently?
What is a myth?
What can Wall Street legally claim?
What does it mean to change the environment where your money lives?
Who wants the wind at your back?
Is this going to take me all the way to the end?
Will I make more than that in my stocks?
What about the payout or withdrawal rate?
When will passive income exceed your living expenses?
What are the options?
What is a “MELOC,” and how does it differ from a HELOC?
What did Mark Twain say?
How many questions are involved in a whole life insurance loan?
How do you take a HELOC?
What kind of impact would non-direct recognition loans have?
Are you constantly breaking the compounding of your growth?
What is the “eighth wonder of the world”?
What breaks compound growth?
What one little glitch could be the difference between success and failure?
What are the wrong tools?
Is it a cheap knock off?
Are you taking on unnecessary risk?
What becomes more expensive as you get older?
What won’t work with the income snowball?
What about building capital?
How about moving to stable, long-term assets?
What are the paths to getting started?
When is the liquidity ready to deploy?
What about building with monthly cash flow?
Do you need to lock money away for forty years?
What asset can you build right away?
What instantly multiplies your family’s legacy?
What will improve?
What will happen to your lifestyle?
What will happen to your demeanor?
What are the risks of the income snowball?
Who is doing the due diligence?
What is Plan A? Plan B? Plan C?
What do you need to pay attention to?
Who is on your team?
Would you like to reach out to Ben at bencberry@gmail.com?

Ben Berry is the owner of Berry Financial Services, LLC, where he helps individuals, families, and business owners take back control of their financial lives. As a Bank On Yourself® Professional and Safe Money Specialist, Ben focuses on building predictable, tax-advantaged wealth strategies designed to support long-term security and generational impact. His approach integrates advanced business planning, life insurance solutions, contingency capital, and asset-mapping to create clear, customized financial pathways. Known for translating complex concepts into practical guidance, Ben equips clients to make confident decisions in an uncertain world. He is passionate about education, relationships, and helping people build wealth they can depend on.

Episode 433: NEW BOOK! Part 1 – Bank On Yourself® Origins and Why Now? with Pamela Yellen, Brian Kay and Tim Austin

December 19, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

How can you build wealth safely and predictably?
Who is Pamela Yellen?
Who is Brian Kay?
Who is Tim Austin?
Would you like to go to bankonyourselfbook.com to get the new book?
What’s Pamela’s story?
How did Pamela meet Brian and Tim?
What’s Brian’s story?
Should you turn over your financial independence to other parties?
Should you become your own source of financing?
Should you recapture the interest you have paid to other sources?
Should you be careful with borrowing and debt?
How did Brian meet Tim?
Can paying for college be an affordable reality without taking unnecessary risks?
What’s Tim’s story?
What was happening in the 1980s?
What are the strategies that worked in the 1940s, 1950s, 1960s and 1970s?
How is risk finicky?
Do you have to have debt to get where you want to go?
Do you have to be in the market to be successful?
What about uncertainty?
What about anticipation and preparation?
How might we crisis-proof our finances?
What is the average household debt?
How many people are behind on paying their debt?
What percent of retirees, age 66-71 have debt?
What about medical emergencies?
How many would be able to cover their expenses if they had a one-week delay on their paycheck?
Why is this book necessary?
What are the action items?
Will you join us next week for Part 2?

Episode 422: The Bank World’s Final Boss: How to Actually End the Fed

October 3, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
Would you like to give us feedback on the FREE! Not Your Average Financial Community?
How could the system be fixed?
When was the Federal Reserve started?
What happened in 1913?
What has happened since?
What happened in 2008?
What happened to the money supply during COVID from 2020-2022?
What about inflation?
What about compound interest?
Why have young couple delayed buying homes and having kids?
What about the booms and busts?
What are the mental and physical health issues tied to these issues?
Is this a rigged game?
Is this a matter of life and death?
How do we peg the dollar back to market rates and gold?
Can anyone swap dollars for gold?
Can we reduce electronic liabilities?
What about blockchain?
What about the FDIC?
What about bailouts?
What about better scrutiny?
What are the bank’s financials?
Who is holding true reserves?
What is fractional reserve banking?
What do most people NOT realize?
Is stable money ahead?
What are other economists saying?
What about Ludvig von Mises?
What do the bank’s panics look like now?
What did America use before 1913?
Why did they call it the Gilded Age?
What is self regulating?
What has gone up 50x?
How does this apply to personal action?
How do Bank on Yourself® type life insurance policies fit into this?
How about some case studies?
What about the distortion?
What about the dot com and the housing bubbles?
What did the later audits reveal?
Does a gold standard eliminate this?
Does arbitrage correct it?
What would keep prices stable?
What is a hidden tax on the poorest among us?
What about the Fed’s role in 1929?
What happened in 1971?
What happened to the currency in Turkey?
What could work?
What happens as the treasuries mature?
What’s the cultural impact?
What are the takeaways?

Episode 421: Economic Overheating from the Fed

September 26, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Are you a small or mid-sized business owner?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What is the big storm brewing?
What about the U.S.’s addiction to short term debt?
What about money printing?
What about rising bond yields?
What about a ballooning national debt?
What’s coming next?
How can you put yourself in the driver’s seat?
What happened in 2008?
What is quantitative easing (QE)?
How much did they print?!
What about QE infinity and beyond?
What about the generational impact?
Who won?
Who lost?
Is the system rigged?
How much is the U.S. National Debt?
When will social security run out?
What about Medicare costs?
What about interest on the national debt?
What about the six-month treasury bills?
Is the government running out of lenders?
Who is the last one standing?
What happens when they print money?
What about foreign buyers?
What about retail inflation?
What about real estate?
Do you have time to spot the signals and act in advance?
How do whole life insurance policy loans act as a hedge against inflation?
Could the dollar strengthen?
What would happen to whole life insurance policy holders?
Who is qualified to structure your plan appropriately and correctly?
What are the takeaways?
Who needs to hear this episode?

Episode 420: The Hidden Power of Protection: How Avoiding Market Losses Can Supercharge Your Retirement

September 19, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Have you ever been on a roller coaster that dropped so steeply that your stomach flipped, and just when you think it’s over…?
What if there was a way to enjoy the upward momentum of the market without all of the terrifying drops?
Are market events and crashes black swan events?
If someone was stealing 20% of your cash out of your bank every couple of years, what would you do?
Who would move the money to another bank?
When are you ever not going to need money?
Is your strategy vital, over the long term?
Do you have a sense of the major events in recent market history?
Who is losing money?
How often is the market really dropping? What are the implications of this?
What about the sequence of returns risk?
How might one tame volatility?
What about loss aversion?
Is your retirement vaporizing because of someone’s whims on Wall St.?
What about panic during market downturns?
How does one live on reduced retirement income?
If you lose 50%, do you need 50% or 100% to rebound just to get back to even?
What are the major market crashes of recent history?
Could anybody hold on throughout all of that madness?
What about beginners? What about the advanced?
What is the key insight to all of this?
What about preserving your principal?
What about compound growth?
What about having a financial fortress?
What are some one things to try?
What do these insights mean for you and for your long-term financial life?
Are you confident in having a guarantee in your portfolio?
What is the shield against the storm?
What is the ease of a fixed indexed annuity?
Am I doing what I need to do with my money?
Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
What are some next steps and takeaways?

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Episode 406: Avoid the Pitfalls of Infinite Banking Knockoffs with Brandon Neely

June 13, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Is it a knockoff?
Can you imagine this?
Does it provide security or chaos?
Who is Brandon Neely?
What did Brandon learn at the I.B.C. Think Tank?
What changes have happened in the last few years?
What impact does Nelson Nash’s work, Becoming Your Own Banker still have?
What are the challenges of maintaining Nelson Nash’s original vision in today’s financial landscape?
What about Pamela Yellen’s effort to preserve Nelson Nash’s ideas through the Bank on Yourself® Professional program?
What is the biggest risk with a whole life products?
Do you have an advisor who is giving you bad advice?
Would you like to hear Episode 253?
What makes Brandon unique?
What changed Brandon’s life?
What’s the history?
What were Nelson’s strengths?
What should every business owner read?
What did Pamela Yellen notice?
What’s the risk of listening to a social media infotainer on Infinite Banking?
What has Brandon seen with clients who have fallen for IULs from an advisor claiming Infinite Banking expertise?
What about the IP and trademark of Bank on Yourself®?
What do red flags sound like?
What are some examples?
What’s important to know?
Why is working with a Bank on Yourself Profressional® crucial?
Would you like to hear Episode 95 and Episode 96?
What are the takeaways?

Brandon Neely is an entrepreneur, Profit First and Bank On Yourself® Professional, and the co-host of Wealth Wisdom Financial Podcast with his wife Amanda Neely.

They founded and managed Overflow Coffee Bar, L3C from 2008 through 2018. Now, they share their experiential knowledge through podcasting and through developing personalized financial strategies for individuals and couples and profitability strategies for businesses.

Wealth Wisdom Financial
Book a Call with Brandon Neely

Episode 399: How to Pay for Everything in Life

April 25, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to join us live for the Bank on Yourself® Rescue Your Retirement Bootcamp on May 6th, 2025, 1PM-5PM ET?
What deals are you making?
What does it take to start a bank?
Where do banks keep their capital?
What is Tier 1 capital?
Who needs a liquid, regular parking spot for savings?
How does the money continue to grow, even while you’re using it?
What about major wealth transfers?
What are people saying?
Why work with us?

JOIN US LIVE
for the Rescue Your Retirement Bootcamp
WHO: The Top Bank on Yourself® Professionals
WHAT: An afternoon-long bootcamp
– a deep dive into the workings of Bank on Yourself® –
(lifetime access to the recording available!)
WHEN: May 6th, 2025, 1PM-5PM ET
COST: $47
WHERE: ONLINE
REGISTER NOW

Episode 397: Can You Bank On Yourself® with over 200 Rental Properties? with Bryan Powers and Ben Berry

April 11, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

What about getting started?
Who is Bryan Powers?
Who is Ben Berry?
What is Bryan’s story?
What do they love about Bank on Yourself® type whole life insurance policies?
How have they used their policies so far?
What are some problems with borrowing money from the SBA?
Is it compounding?
Can you see a new perspective?
How would it feel to discover an extra million?
What leads to a whole lot less financial stress?
What about retiring early?
What about the ongoing relationship?
How about the next generation?
What about adjusting as life happens?
What about reaching financial milestones without taking unnecessary risk?
What about resilience?
Who wins? …the banks?
How did Menard’s emerge as a giant?
What are Bryan’s aspirations with his policy?
How is this different from a self-directed IRA?
Would you like to listen to Episode 209?
Would you like to text Ben at 563-570-2367?
Would you like to email Ben at bencberry@gmail.com?
What principle would Bryan leave for his kids?
What are the takeaways?
What is the most important thing?
Doesn’t it make sense to build the foundation first?

Ben Berry is a financial strategist dedicated to empowering individuals and businesses to achieve financial control and stability. Recognizing the limitations and volatility of traditional investment and retirement planning, Ben and his wife, Erica, embarked on a decade-long exploration of more ethical, rational, and reliable wealth-building methods. This pursuit led him to develop strategies focused on predictable, long-term growth, independent of market fluctuations.

As a Bank on Yourself® Professional and licensed insurance agent, Ben is the owner of Berry Financial Services in Fayetteville, Arkansas. He specializes in crafting personalized financial strategies that diverge from conventional approaches offered by stockbrokers, lawyers, and other financial advisors. His expertise encompasses a range of solutions, including strategic real estate investments, effective college funding strategies designed to minimize financial burden, and the development of secure, lifetime retirement income plans.

Ben works with clients seeking predictable wealth accumulation and financial self-sufficiency, with a particular focus on generating tax-free retirement income. He provides proven, tax-efficient financial solutions designed to help clients regain control of their financial destinies and achieve their long-term financial goals.

Bryan Powers has been an entrepreneur since 2000, owning a recording studio, a live music venue and a couple of restaurant franchises to include Lenny’s Sub Shops and McDonald’s. In 2013, Bryan started Family Home Solutions, a Real Estate Investment Company that expanded into a Local Property Management Company, Realty Brokerage and a Real Estate Acquisitions and Dispositions company. Powers currently shares ownership in over 200 single family rental units and AirBnb properties in 3 states as well as a 356-bed student housing apartment syndication. In 2018, Powers co-created the Angler Aid Brand, a fishing first aid and safety company that is now widely distributed online and through Bass Pro Shops.

Since 2023, Powers is co-owner of the Mobility City franchise markets in Southwest Missouri and Arkansas. Mobility City is a Boca Raton based franchise system that has quickly become Southwest Missouri’s Premiere Mobility Products store and has plans to open a second location in Northwest Arkansas by May of 2024. Bryan has also served on the board of two local non-profit organizations as well as serving on the advisory council of 2 national franchise systems.

Bryan is a Husband, Father of 3, and Grandfather of 1 and loves time at the lake with family, travel, and music composition.

Episode 391: Bank On Yourself® In Action: Real Life Business Case Studies

February 28, 2025 by Not Your Average Financial Podcast

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In this episode, we ask:

Would you like to listen to Episode 388?
What are the challenges faced by most entrepreneurs?
How is this playing itself out in the real world?
How about guarantees?
How about liquidity?
How about more success?
What challenges would this solve?
How can business owners level up their cash flow?
What do Bank on Yourself® type whole life insurance policy offer business owners?
What about lines of credit?
Are the banker’s trophy catch?
What about paying the interest?
What about times of business downturns?
What are the limits of lines of credit?
What about collateralization?
What about interest rates?
What about compliance?
How about a case study?
Is it worth the risk?
What is the insurance company contractually obligated to do?
What is the top ten list?
How about a guaranteed interest rate?
What about credit checks?
What about your credit score?
What about repayment terms?
What about loans being called?
What about tax-free access to funds?
What about the dual benefit of insurance and savings?
What about protection against market volatility?
What about compounding interest working in your favor (not the bank’s)?
What about estate preservation?
How might having a guaranteed line of credit help you and your business?
How about another case study?
What about inventory financing?
What about the fourth quarter and the Q4 rush?
What about another business case study?
What’s the catch?
What are the considerations?
What about paying off the loan?
What other major expenses are in your business?
How about this case study?
What about paying the tax payment from a policy loan?
What about paying off policy loans with windfalls?
What is thrilling?
How much?!
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?

Episode 374: [Client Spotlight] Bank On Yourself® and Austrian Economics with Max Brusky

November 1, 2024 by Not Your Average Financial Podcast

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In this episode, we ask:

Can you imagine…?
What is Austrian Economics?
Who is Max Brusky?
What is Max’s podcast about?
Would you like to hear the BuckAround Podcast?
What happened to Max in downtown Chicago?
What happened at the Mises Circle event?
What is the relationship between Austrian Economics and Bank on Yourself?
Who is Ludwig von Mises?
What about Mises’ books, Theory of Money and Credit (1912) and Socialism (1920)?
What about sound money?
What is considered a store of value?
What about lending money?
What is the purpose of the central bank?
Is it a quasi-government agency?
Who appoints the central bank’s governors?
What is money? What is credit?
Who controls the money supply?
What leads to inflation?
What leads to improper business signals to investors and creditors?
What is a good interest rate?
Who sets the interest rate?
What is the Austrian Business cycle?
What is the boom / bust cycle?
What happens when the money is cheap and free?
What happens when bad decisions get subsidized by more money?
What does Mark have?
Do the Austrians have something to say about what’s going in our world right now?
Would you like to visit mises.org?
What about the Great Depression?
Would you like to read Murray Rothbard’s book on The Great Depression?
Who was Murray Rothbard?
What about human action?
Who are the Austrian economists?
What is the fix? Can anyone fix it?
What about Bitcoin and cryptocurrencies?
What about the various agendas?
Do you remember the sidebar blogroll?
What about various Austrian economist podcasters?
What about Keynesian economics?
What about course corrections?
What did Thomas Jefferson say?
How was Max lucky?
Who is Robert Murphy?
Who is able to opt out of that system?
What is designed to keep you in debt?
What about debt, on the bank’s terms?
What happens when you use the cash value as collateral on a policy loan for big purchases in Bank on Yourself® type whole life insurance policies?
What is the great dispossession?
Who gets paid last?
How is an insurance company’s contract different?
What about the history of the contract?
What are the benefits of whole life insurance?
How does the death benefit make a big impact?
How has Max used his policies?
How about loaning money to kids for college?
What about having skin in the game?
What about the honor of paying back your debt?
What about paying tax?
What about donations?
How do the college loan repayments contribute to the kid’s inheritance?
What is a racket?
What are some creative ways to set up kids for success?
Would you like to visit mises.org?
Would you like to visit aier.org?
What are the takeaways?

Max Brusky is an attorney specializing in civil litigation, particularly insurance defense, coverage, and subrogation. He is currently an “in-house” and Claims Director for a national trucking company. He is a happy husband to a happy (and brilliant, and understanding) wife, and the proud father of two, one in college, one almost in college. He currently lives in Chicago’s far west suburbs, but still considers himself a Wisconsin expatriate.

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